welcome to granular investments

Granular Investments is a London-based specialist advisor for insurance and reinsurance companies that want to participate in the growing European bank capital relief market by offering credit risk protection on loan portfolios.

About Us

Based in London and established in 2019, Granular Investments is a specialist advisor for re/insurance companies that want to participate in the growing European bank capital relief market by offering credit risk protection on loan portfolios.

By properly transferring credit risk on a portfolio to a highly rated re/insurer, banks can reduce their regulatory capital needs if they meet certain conditions required by their supervisors. This market now covers €100bn of new loans each year.

Our Services

Granular Investment assists its insurance and reinsurance clients in all aspects of credit risk transfer deals:

How it Works

A short introduction to the regulatory environment and criteria that allow banks to optimize their capital through credit risk transfer.

Remuneration

Granular Investments acts as advisor to insurance and reinsurance companies on credit risk transfer deals between them and European banks. Our clients are the re/insurers, to whom we owe our duty of care while treating fairly all parties in the transaction. We are paid by the re/insurers only, and not by the banks.

Granular Investments normally receives a percentage of the protection fee paid by the bank to the re/insurer, who is able to accept or decline each individual deal. Where Granular Investments has more discretion in the final underwriting decision, a pricing model with a performance component can be envisaged.

Our market in Europe...

0 trillion
Loans
0 bn
protected loans annually
0 bn
protected junior tranches annually
0 years
average deal life

Our Team

The team at Granular Investments have decades of experience in banking, insurance and securitisation, and have been the first to achieve recognition for such deals in Europe since the financial crisis.

Giuliano Giovannetti

Co-Founder

Former CEO of Arch Mortgage Insurance. Responsible for multi-billion mortgage credit risk portfolio across Europe, with outstanding performance.

 

Richard Sullivan

Co-Founder

Former CEO of Arch Risk Partners and MD at Arch Underwriters Europe. Previously Head of Capital Markets at PMI Europe, and before then 20 years in investment banking and securitisation.

PHILIPPE PLANCOULAINE

Président, GI EU SAS

Former CEO of CNP Caution. Decades of experience on  French and European creditor insurance.
Founder of the Club des Emetteurs de Cautions

 

Contact us

Use our contact details below or send us a message and we’ll be in touch!